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Ride now & pay later with Trek Financing

Powered by Citizens Pay®

Get the right gear without the stress

Trek Financing powered by Citizens Pay lets you buy the cycling gear you need, when you need it. Get bike financing that works for you, and spread the cost of your purchase over time with convenient, stress-free payment options starting at 0% APR for the first 6-12 months, then 29.99% APR for the remaining term based on creditworthiness.* It’s a simple, safe way to score the gear you love today.

Find the right gear

Shop our inventory to find your perfect products.

Check eligibility

Cruise through a convenient eligibility check. If you don’t qualify, your credit score won’t be impacted.

Ride

Once you're approved, head to a store near you to complete your purchase. Then, ride on!

Trek Financing payment plans*

There are no set up fees, but Citizens Pay does charge a Program Fee of up to 2.99% on every Trek Financing transaction, depending on the financing promo period selected at the time of purchase. Please review the Terms and Conditions during registration for more information.

Term Length
Current Promotional Offer Subject to Individual Credit Approval
Min Purchase Required for Offer
24-Month Term
As low as 0%-9.99% APR for the first 6 months then 29.99% APR for the remaining 18 months, based on creditworthiness
$199
36-Month Term
As low as 0.00% APR for the first 12 months then 29.99% APR for the remaining 24 months, based on creditworthiness
$499
36-Month Term
9.99% APR for 36 months
$499
3-Month Term
0.00% APR for 3 months (for subsequent purchases on existing accounts)
$99

*Promotional APR: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. 0% APR - 9.99% APR from the date an eligible purchase is posted to your account until paid in full, based on term length. Minimum purchase for first transaction: $499. Equipment purchase must be included in first transaction. Minimum subsequent purchase: $99. Monthly payment and total finance charges are estimates, do not include taxes, and may vary from the actual minimum payment due and interest charges that will be shown on your Citizens Pay Line of Credit statement. Limited time offer. Standard Purchase APR is 29.99% for non-promotional purchases. Subject to credit approval. Other transactions affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Account must be in good standing. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.

Important things to know about Trek Financing

Program requirements

  1. A US-issued debit or credit card
  2. You must be 18 years or older
  3. You must have a US billing address
  4. An SMS-capable phone number
  5. A shopping cart total between $199-$25,000 for your first purchase or between $99-$25,000 for subsequent purchases

Trek Financing is available for in-store purchases

Be sure your total is between $99 - $25,000 and your cart does not include gift cards. Gift cards cannot be purchased with Trek Financing. The initial purchase needs to include equipment.

Returns

If you need to return something purchased with Trek Financing, follow our return guidelines.
Your Trek Financing account will be credited within 7 to 10 business days after a return has been processed.

Frequently asked questions

What is a Citizens Pay Line of Credit?

Trek Financing uses Citizens Pay Line of Credit to enable you to make purchases at participating locations. The Citizens Pay Line of Credit offers APR rates and terms for each purchase. We recommend setting up automatic payments to make sure your bill is paid on time.

If I am approved for a Citizens Pay Line of Credit but do not complete the purchase process, will the inquiry still show on my credit report?

Yes. Once a hard inquiry has been submitted to a credit bureau, it will be reflected on your credit report.

If I am approved for a Citizens Pay Line of Credit but do not complete the purchase will my account be automatically closed?

Yes, your Citizens Pay Line of Credit will automatically close after a period of inactivity, as described in the Citizens Pay Line of Credit Terms & Conditions and Line of Credit Agreement.

Can I use my Citizens Pay Line of Credit to make future purchases?

You may be able to make additional purchases on your Citizens Pay Line of Credit at participating locations.

Where can I view my Citizens Pay account summary and payment history?

Citizens Pay provides an easy and secure way to view Line of Credit information at www.pay.citizensbank.com. There, you can view your account summary, transaction history, and make payments using your PC or mobile device.

How do I make payments for my Citizens Pay Line of Credit?

Once you’re approved, you’ll receive a welcome email from Citizens Pay after your purchase. In the email you’ll find a link to set up your account and enroll in the automatic payment program. We recommend using the automatic payment program so your payments are received on or before the due date. For more information on the Citizens Pay Line of Credit, go to www.pay.citizensbank.com.

Want to learn more?

Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.